Call reports 2010
ALBANY BANK & TRUST CO., NATIONAL ASSOCIATION — 2010
What ALBANY BANK & TRUST CO., NATIONAL ASSOCIATION reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 519,939,000 | 521,297,000 | 529,550,000 | 519,751,000 |
| Total loans | 409,337,000 | 406,617,000 | 392,513,000 | 383,163,000 |
| Allowance for loan losses | 4,664,000 | 4,713,000 | 4,610,000 | 5,183,000 |
| Securities available for sale | 57,661,000 | 62,304,000 | 64,798,000 | 69,360,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 444,732,000 | 445,263,000 | 452,700,000 | 443,780,000 |
| Interest-bearing deposits | 372,556,000 | 367,723,000 | 368,054,000 | 366,922,000 |
| Noninterest-bearing deposits | 72,176,000 | 77,540,000 | 84,646,000 | 76,858,000 |
| Equity capital | 72,645,000 | 73,196,000 | 73,749,000 | 73,967,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 6,079,000 | 11,992,000 | 17,831,000 | 23,387,000 |
| Interest expense | 992,000 | 1,912,000 | 2,780,000 | 3,581,000 |
| Net interest income | 5,087,000 | 10,080,000 | 15,051,000 | 19,806,000 |
| Noninterest income | 305,000 | 618,000 | -221,000 | -355,000 |
| Noninterest expense | 3,231,000 | 6,640,000 | 9,086,000 | 10,784,000 |
| Provision for loan losses | 900,000 | 1,600,000 | 2,150,000 | 4,000,000 |
| Pretax income | 1,261,000 | 2,458,000 | 3,594,000 | 4,667,000 |
| Income tax | 490,000 | 890,000 | 1,315,000 | 1,315,000 |
| Net income | 771,000 | 1,568,000 | 2,279,000 | 3,352,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 70,283,000 | 70,849,000 | 71,328,000 | 72,170,000 |
| Total capital | 74,947,000 | 75,562,000 | 75,938,000 | 76,942,000 |
| Risk-weighted assets | 401,326,000 | 408,670,000 | 393,788,000 | 381,322,000 |
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